Shenzhen Housing Provident Fund Management Center website online processing platform
Declaration and appointment (bank priority to accept appointment customers)
Bank Branch Distribution Inquiry URL http://gjj.sz.gov.cn/xxgk/ywwd/gjjdk/ (click to view)
On September 28, 2021, the online processing business of Shenzhen business-to-business loans was officially launched
This is the first online processing service for business to public in China
The first bank to land this service is the Bank of Communications
What is Business to Business?
It means that when a Shenzhen provident fund contributor purchases a self-occupied housing in this city, he or she can apply to the Shenzhen Provident Fund Center to convert part or all of the commercial housing mortgage loan into a provident fund loan.
How much interest can be saved on loans when business to business is transferred?
A 30-year loan of 500,000 yuan, calculated according to the equal principal and interest repayment method, the provident fund loan saves 477.6 yuan per month compared with the commercial loan, and after 30 years, the interest expense is saved by about 172,000 yuan.
A 30-year loan of 900,000 yuan, calculated according to the equal principal and interest repayment method, the provident fund loan saves 8.59.7 yuan per month compared with the commercial loan, and after 30 years, the interest expense is saved by about 309,000 yuan.
The difference between the online processing mode and the offline operation mode of the business-to-business loan
Employees run less errands: Employees complete the application for business transfer online, and do not need to submit materials to the outlets.
Data run more: By strengthening data sharing with entrusted banks, the Shenzhen Provident Fund Center directly retrieves the original commercial loan materials of employees from the commercial banking business system without the need for employees to provide them.
Optimization of the link: Optimized and merged the interview and the interview. There is no interview in the online application process, and after the approval is approved, it will be interviewed and signed at the bank branch.
Open the official WeChat public account of "Bank of Communications Shenzhen Branch" and enter the "Business to Business Loan Application" page.
Enter applicant and co-applicant information for dynamic face brush authentication.
Conduct a trial calculation of the loan amount and obtain preliminary reference results.
Upload proof of marriage.
The applicant and the co-applicant sign and confirm the application form.
The application was successful.